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Richmond City County, VA Homeowners Insurance Quotes
Richmond City County homeowners insurance can protect your home from damages due to fires, lightning, theft, falling objects and even vandalism under a basic Virginia homeowners policy.
Richmond City County Coastal Home Insurance
Because Richmond City County is in a coastal area, it's important to know that flood zones are crucial along the coast that are prone to hurricanes and tropical storms. Flood insurance programs can be offered to you through your current home insurance carrier or through the National Flood Insurance Programs available in Richmond City County. Speaking with a licensed professional at GetHomeInsuranceQuotes.com allows you to review all coverage options and apply coverages like flood, hurricane insurance and wind hail coverage. Let us help you get the right coastal insurance coverage for your home in Richmond City County.
Basic Coverage Protection and Rates
For a basic standard homeowners policy in Richmond City County also referred to as an HO-3 policy, you are looking at paying around $92.25 per month. Most homeowners pay annually for home insurance which is estimated to be around $1107 per year. Richmond City County home insurance rates drastically depend on the home insurance company you choose. We can help you compare up to 12 major carriers, which will allow us to get the most competitive rate possible saving you up to 40% or more. Our quoting process also likes to work with you to provide every available discount and credit offered to you, the homeowner. More importantly, cheaper rates sometimes means cheaper coverage and a lack of protection for your home and family. The ideal policy, is one with outstanding coverage so you are insured properly but it also has to be affordable. Most homeowners living in Virginia enjoy the benefits of lower rates, but every homeowner enjoys the comfort and protection when you need to count on your insurance company the most. Let us help shop the best Richmond City County homeowners policy for you.
For all Richmond City County, VA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.
Are you looking for a homeowners insurance quote in Richmond City County? Simply enter your zip code to get your Virginia homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.
Richmond City County, VA Housing Demographics
With 204,214 residents living within the Richmond City County area there are over 98,349 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 41,304 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Richmond City County.
Demographic | Values |
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Total Occupied Households | 87,151 |
Family Households (families) | 41,304 |
Average Owner Occupied Household Size | 2 |
Average Family Size | 3 |
Total Housing Units | 98,349 |
Richmond City County, VA Coastal Wind, Hail & Flood Information
For all homeowners living in Richmond city (FIPS: 51760), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Virginia is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Richmond City County, VA, it's important that you look into hurricane and windstorm insurance options.
Richmond City County, VA Home Insurance Average Premiums
For the state of Virginia, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 33 in the nation for highest premiums in the U.S.
Average Rating | Annual Premium |
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Minimum Range: | $604 /yr. |
Current Average Cost: | $841 /yr. |
Maximum Range: | $1107 /yr. |
Richmond City County, VA Coastal Wind, Hail & Flood Information
Richmond City is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Virginia Homeowners Insurance News & Information
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How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025
According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common. In a recent AOL.com article, Paul Burns commented on how he had […]
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5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025
Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]
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Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025
According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year. The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]
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Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025
According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]
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What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
Discounts For Homeowners in Richmond City County
As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Virginia homeowners insurance.
- Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Richmond City County, this discount can save you up to 20% on your home insurance premium.
- Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Richmond City County that do combine their home and auto can save over $500 with this discount.
- Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Richmond City County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
- Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
- Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.
Richmond City County Housing & Real Estate Data
Details: | Statistics |
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Total Housing Units | 98349 |
Occupied Housing Units | 87151 |
Vacant Housing Units | 11198 |
Vacant Housing Units for Rent | 5233 |
Vacant Housing Units Rented Not Occupied | 296 |
Vacant Housing Units For Sale | 1810 |
Vacant Housing Units Sold Not Occupied | 311 |
Vacant Housing Units For Seasonal Occasional Use | 487 |
Vacant Housing Units All Other Vacants | 3061 |
Housing Units Homeowner Vacancy Rate Percent | 5 |
Housing Units Rental Vacancy Rate Percent | 10 |
Housing Tenure Occupied Units | 87151 |
Housing Tenure Occupied Units Owner Occupied | 37596 |
Housing Tenure Occupied Units Owner Occupied Population | 83718 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2 |
Housing Tenure Occupied Units Renter Occupied | 49555 |
Housing Tenure Occupied Units Renter Occupied Population | 107771 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |